CAJ | 학술논문

网络银行作为始于上世纪末的一种新兴金融业态，在我国得到了极其迅猛地发展。但网络银行的“虚拟性”特征却给监管、技术、运营、业务等方面带来了新的挑战。随着大数据、云计算、网络功能的拓展和应用，网络银行业务竞争性创新将更加激烈，且日益趋向便利化、虚拟化。因此，需要建立健全相关法律法规；升级网络安全技术；加快全社会信用体系建设。
망락은행작위시우상세기말적일충신흥금융업태，재아국득도료겁기신맹지발전。단망락은행적“허의성”특정각급감관、기술、운영、업무등방면대래료신적도전。수착대수거、운계산、망락공능적탁전화응용，망락은행업무경쟁성창신장경가격렬，차일익추향편리화、허의화。인차，수요건립건전상관법율법규；승급망락안전기술；가쾌전사회신용체계건설。
As an emerging financiaL fOrmat which began in the Last century,OnLine banking is deveLOping rapid-Ly in China. HOwever,its ”virtuaL sex” feature brings new chaLLenges in the reguLatOry,technicaL,OperatiOnaL,busi-ness. With the deveLOpment and appLicatiOn Of big data,cLOud cOmputing and netwOrk functiOns,the cOmpetitive in-nOvatiOn Of OnLine banking business wiLL becOme mOre intense and tend tO faciLitatiOn and virtuaLizatiOn. TherefOre,it is mOre necessary tO estabLish and imprOve reLevant Laws and reguLatiOns;upgrade netwOrk security technOLOgy;and strengthen the cOnstructiOn Of credit system Of the whOLe sOciety.